We understand what makes you tick. Come see what sets us apart from the rest.


Lending Solutions

We make borrowing easy.
We provide smart choices with competitive rates, flexible terms, and efficient service. Loans are processed for existing members or eligible members of Pacific Crest Federal Credit Union. Receive rate discounts for direct deposit or payroll deduction.

View current loan rates

Apply for a loan (Click here to go to loan application)

Or call 1-541-850-7799 or 1-800-570-0265 ext. 7799


Vehicle Loans

  • New or used vehicles.
  • 100% financing available.
  • Pre-approval gives you buying power.


Credit Cards

Purchase Power.
Pacific Crest is here to give you the credit you deserve. Our selection of low-rate Visa® credit cards gives you the purchasing power and convenience you need - at millions of locations around the globe. Whatever card you choose, our Pacific Crest credit cards are backed by the reliability and security of Visa®. You won't be liable for fraudulent purchases in the event that your card is lost or stolen.

Overdraft Protection
Protect your Pacific Crest checking accounts by linking your Pacific Crest Visa® to cover your checking account overdrafts. This convenient service will save you money and provide peace of mind in taking care of those checking account mistakes or emergencies. Contact your branch or call 1-800-570-0265.

Platinum Visa®

Classic Visa®

Secure Visa®

  • Credit limits up to $25,000.
  • No annual fee.
  • $500,000 Common Carrier Travel Coverage.
  • Overdraft Protection.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.
  • Overdraft Protection.
  • Lets you establish or re-establish credit.
  • Credit limits secured by 100% of funds in share account, up to $5,000.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.
  • Overdraft Protection.


EMV Cards (Chip Cards)

For Frequently Asked Questions (FAQs) regarding EMV Cards (chip cards) please click here.

Real Estate Loans

The real estate loans at Pacific Crest Federal Credit Union offer outstanding flexibility combined with competitive rates, for a payment that fits your life perfectly. Because loan interest rates may be tax deductible**, real estate loans are a smart borrowing choice. NMLS #412720

  • Competitive rates
  • Conventional First Mortgages
  • Home Refinancing
  • Non-owner occupied, owner occupied, 1-4 units, vacation or second
  • Manufactured Home 
  • Free pre-qualifications
Please speak to a member service representative about restrictive qualifications and boundaries that apply to all mortgage loan products. ** Consult your tax advisor.


Secured Loans 

  • Extra-low loan rate.
  • Money or Certificate borrowed against continues to earn dividends.
  • Guaranteed approval.


Credit Builder Loan

Designed to establish credit or rebuild credit. This product can be used to save as a down payment to purchase a vehicle or home. The loan proceeds are placed in your savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available to use.

Quick Loan

  • The Quick Loan is a short term loan designed to help our members build credit or fund an emergency.
  • It is a $500 loan that can be paid back within 4 months or 8 semi-monthly payments.
  • This loan requires a Quick Savings Account.
  • When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Savings Account.